FEES AND CHARGES

A. Overdraft Protection Transfer (OD Prot)	$1.00 per transfer
B. Excessive Transfer	$10.00 per transfer
C. NSF Fee / Negative Balance Fee	$20.00 per item
D. Statement Copies	$1.00 per page
E. Account Closed within 60 days of opening	$10.00
F. Check Withdrawals payable to second party	$1.00 per check
G. Travelers Checks	$1.00 per hundred
H. Money Orders	$1.00 each
I. Electronic Fund Transfer returned NSF	$20.00 per item
J. Wire Transfer	$15.00 out going
K. Western Union	$20.00 per transaction
L. ATM Fee for withdrawal, inquiry or denial	$1.00 per transaction
M. ATM Card - New /  Replacement	$3.00 / $5.00 per card
N. Monthly Fee for Accounts Under Par for more than 30 days	$10.00 per month